Passion

Let Me Help You Live Your Passion

leapmountain[1]

I was just let go from my full time job. It’s scary but at the same time I know that another window is opening up.

I was holding off on revealing this new part of Financially Poor because I wanted to make sure all of the little details are ironed out like price and such. But now that I was just thrown off of a mountain, I’m going to jump into this head first.

What is it you ask? Hold on a sec. Let me lead up to it so I can give it some suspense.

For the past 2 years I’ve been doing a job that has given me knowledge and skills to do what I love, which is help people.

I’ve also, on the side, been building up a web empire, once again doing what I love. I truly believe that the web is the place to be when it comes to making your passion = your lively hood.

There is no easier, cheaper way with as much reach as the internet. Dreams can be made, and passions can be followed for next to nothing.

What I want to do now is teach you all of the knowledge I’ve soaked up through the years of what it takes to Live Your Passion. Is it easy? Meh, It’s not the most difficult thing in the world and with the knowledge and motivation that I can provide you, it will be even easier.

I want to teach you that you can do what you want and make an income doing it. If I can do it, I know anyone can.

I’m just like you, but I probably had a less likely chance of succeeding. I only have some college experience (because what they were teaching, I didn’t want to learn), I slacked off in high school because I was bored and just wanted to have fun.

I’m not a a regular 9-5 worker like the world wants to be and I don’t think most people should be. It takes away from your short life.

Now with that info you may ask yourself why you should listen to me. Well, because despite not having a college degree, or the best high school GPA, I’m making a living doing what I love. Can you say that?

I want to teach you that you can do it. It’s not impossible like you think. All it takes is a little switch to be turned on in your mind and I can flip that switch for you.

I’m not going to do a long spiel here, so find out more by clicking below. I really hope you do take the leap to Living Your Passion and not put it off until tomorrow because you’ll never succeed with the cycle of putting it off.coachingsales[1]

Money Management

Another deliberate own-goal from the governor

The imagination of journalists is not what it might be when it comes to visualising the size of places and things. Large vehicles or vessels are “as heavy as ten London buses”. The asteroid that will skim the atmosphere of Earth this evening is “the size of an Olympic swimming pool”. Forest fires or floods always seem to affect an area “the size of Wales” (but never Wales itself). And Germany’s -0.6% economic contraction in the fourth quarter of 2012 was “twice the size of Britain’s”. 

Except they didn’t put it that way. Rather, they discussed the brighter outlook for Germany. They also pointed out that the gross domestic product (GDP) of Euroland’s economic locomotive had grown in calendar 2012 without mentioning that the expansion was “twice as small as a cocktail frankfurter” (0.1% to be precise; infinitely more than Britain’s 0.0%). 

The negative German GDP figure was just one of a longish list of Q4 economic shrinkages in the eurozone. It was left to the likes of Romania and Bulgaria to come up with positive numbers but their contribution was not enough to prevent the euro area as a whole from registering a quarterly contraction of -0.6%. The effect of the news was to send the euro lower, though not by much. It lost half a cent to the pound, three quarters of a US cent and one and a half yen. 

With the focus on Euroland, sterling was very much the bystander on Thursday. It was all but unchanged against the US, Canadian and Australian dollars, a touch lower against the New Zealand dollar and slightly higher against the Scandinavian crowns. 

Beyond the eurozone GDP data and Greece’s 27% unemployment rate yesterday’s only other figures were for US jobless claims, which were slightly lower than forecast. Overnight, stronger-than-expected New Zealand retail sales helped the Kiwi dollar ahead and increased Japanese industrial production had no effect on the yen. 

Having managed to stay out of the spotlight yesterday sterling will find it harder to do so today, because the UK retail sales figures for January are by far the highest profile ecostats this morning. The expectation is for positive numbers; anything with a minus in front of it would be deleterious to the pound in money transfer

Other than Spanish inflation and the Euroland balance of trade there is almost nothing from continental Europe this morning. The afternoon brings Canadian manufacturing shipments and, from the States, international investment flows, industrial production, the New York Fed’s manufacturing index and the University of Michigan’s provisional consumer confidence reading. Of these, the Michigan confidence number is the one to watch. 

Unless the retail sales data get in its way, sterling might be able to creep to the back door of the week without being picked on by the bullies. This might be a good time to use Moneycorp send money online service. 

Insurance

A Few Reasons to Take Out Life Insurance after Turning 50

You might think that life insurance is for younger people but there are a few good reasons for taking out life insurance after turning 50. Each case is obviously different but many people benefit from a greater peace of mind after taking out a policy for one of the following reasons.

To Cover Loans

No matter what age you are you won’t want to leave the burden of an outstanding loan behind you. This is why a life insurance policy can give you great peace of mind. The amount you need to cover will determine the premium you need to pay and you might very well find out this type of insurance cover is a lot less expensive than you thought.

To Pay Inheritance Tax

If you are going to be leaving behind a substantial amount of property then inheritance tax could be a big concern for your heirs. One way of helping them out with this amount is with a life insurance policy. You may need to ask an expert in the field to help you work out the amount you need to be covered for but you will feel a lot better once you have the policy in place.   

To Pay Funeral Expenses

A worry for many of us is how our family are going to be able to pay for our funeral expenses once we pass away. As the figure involved in arranging in most funerals is relatively modest the policy in this case shouldn’t cost a fortune. Often you can start getting quotes beginning with the minimum sum insured on offer and take it from there. If you find that even the minimum amount on offer is pretty high then you will be in the pleasant position of being able to think about leaving being a bit extra for your family.

To Help Out Relatives

In other cases the person looking to get insured on an over 50 life insurance policy will simply want to leave some cash behind for their family. This is a fantastic thing to do and it is especially rewarding if you know that your family will find that the money comes in really handy. Organising your own life insurance policy isn’t always the most exciting or pleasing thing in the world to do but if you can at least think about the good things which the eventual payout could do then it will be something well worth doing.  

Insurance

The Need for Getting Pet Insurance

Most of us take our property insurance obligations very seriously because the last thing we need in life is to be able to lose something big and not be able to replace it. Every year, we spend billions of dollars worldwide insuring anything from our cars, houses, and our medical expenses. Heck, even Heidi Klum insured her legs just to be sure. 

This raises an interesting question that has to be answered in the context of personal savings. Simply put, have we considered something like pet insurance to ensure that we all have our expenses covered? Think about it; we treat our pets like family and go out of our way to spend for their needs, not the least of which is medical expenditures. When ours pets get sick, it does not take an hour before we find ourselves running to the veterinarian and spending hundreds of dollars for doctor fees and medication among other things. All that spending can easily total to thousands of dollars over the course of a year and in these tough economic times, that’s a little bit more spending than we would prefer coming out from our wallets. 

Pet insurance provides a practical solution to these problems. Working much like our own medical policies, pet insurance are bought to cover vet treatment fees, or even medication depending on the exact policy bought. It is a handy and workable solution that allows pet owners to rest easy knowing that their beloved are well-taken cared of and that their wellness is not compromised simply because we are working on a squeezed budget. 

Most of the pet insurance policies today actually sell for very affordable rates, as low as ₤4.50 gross for a month for a pet cat. Dog pet insurance can be bought for ₤5.60 for basic medical care. There are also other variations that would allow one to insure pets that may go missing or coverage for bereavement counseling services in the untimely event that a beloved pet passes away. 

The important consideration is to remember that pets are equally important to us so much so that saving money is a reason we would never use to compromise our pet’s health and wellness. However, if it can be done in a practical way such as through legitimate and proven pet insurance policies, then there is no reason to shy away from the most practical and ideal solution out there. 

The next time you find yourself in the vet having to pay a good amount for your cat’s latest illness, think of how pet insurance can help ease your spending without having to lower your standards for health care towards your pets. With pet insurance, you need not worry, and yet still be able to save. In a world were good breaks are hard to come by, that’s as good an offer as any you will ever find. 

Debt Management

To Borrow or Not to Borrow: Making Sound Financial Decisions

While it would be nice if money was never an issue, life simply doesn’t go that way. Everyone deals with financial pitfalls that sometimes force them into a corner where they must decide how to stay afloat. When it comes to affording things that you want or need when you don’t have the funds, it can be pretty tempting to decide to take out a loan. Though loans can be a great way to secure cash fast and boost your credit (when paid timely), applying for one is a financial decision that should not be taken lightly.

You see, the problem is that many people apply for a loan and then fall further into debt because they aren’t able to keep up with the payments. You can eliminate all of this by simply evaluating the decision to borrow a bit further. Below are a few suggestions that should assist you in determining whether obtaining a loan is feasible or not.

What’s the Loan For?

The first thing you want to do when deciding to borrow or not is to assess your financial need. What exactly are you looking to borrow funds for? Does your car need repairs you can’t afford on your own? Or are you planning a trip and want some spending money? Other factors to consider are how long you’ll need to repay the loan. Companies like Max Lend Loans for instance offers short term loans (typically 14-30 days). If you simply needed to make a repair to your car but didn’t get your paycheck for another week, then obtaining a short term loan makes sense.

Can You Pay it Back?

Before taking out a loan, determine whether or not you can pay the loan back in a timely fashion. You’ll need to look at things like interest rates, fees, and the monthly payment amount and compare it to your personal budget. If you don’t have room in your budget to pay it back in a timely fashion, it’s probably not a good idea to take out the loan. Failure to pay a loan back on time could result in higher interest rates, increased fees, and a poor credit rating.

Are There Other Options?

Borrowing money is often the first go-to when you don’t have the means to pay for something. However, before you decide that a loan is your only option, check other avenues first. Can you borrow the funds from a friend or family member? Is there a way to earn some extra cash really fast? Can you contact the bill collector and ask for an extension? Can you skip out on a luxury such as eating out for lunch every day to pay for your needs? If the answer to all of the above is no, then a loan is a wise decision.

Finding the Right Loan Company

If you’ve determined that you do have a real need for a loan and have exhausted all other avenues of resolving the matter, then obtaining a loan can be a life saver. It is important that you do your research before applying for loans to ensure that the company is legit. For example, a MaxLend Loans overview found on their Twitter account allows you to see when they were established as well as review tips and comments from their followers. If you see good reviews or lots of followers, chances are the company is credible.

Borrowing funds from a lending institution is not something that should be taken lightly. Though loans can certainly help you out of a jam if you need it, irresponsible borrowing could cause you to fall into deeper financial trouble. Therefore, before deciding to take out a loan, be sure to follow the advice above. Evaluate the severity of your circumstances, determine if you can reasonably pay the loan back, and of course exhaust any other options first. From there, it’s all a matter of selecting a lender that offers competitive interest rates and reasonable repayment options to suit your needs.